Create your own letter using this as a model
Name(s) on account: ______________________________
Account number: _________________________________
To Whom It May Concern:
On ____________________, 20_____, I received a copy of my credit report from
____________________ credit reporting agency. Included in that report was the following incorrect or incomplete information you reported:
That information is not correct. The following is the correct, complete information:
I have enclosed copies of the following documentation supporting my claim that the information you reported is not correct or is incomplete:
This incorrect or incomplete information is damaging my credit. Please immediately contact Experian, TransUnion, and Equifax (and any other credit reporting agency to which you reported this information) and direct them to remove this information from my credit file. Please confirm within 20 days that you have directed these credit reporting agencies to remove this information, and provide me a copy of the form you used to advise them of the error.
I have enclosed the Consumer Financial Protection Bureau’s Notice to Furnishers of Information, which details your responsibilities under the Fair Credit Reporting Act as a furnisher of information to credit reporting agencies.
Thank you for your immediate attention to this matter.
Email address: ___________________________________
Enclosures: [list, if any]____________________________
To Whom It May Concern:
Please send me a copy of my credit report.
Full name: ________________________________
Date of birth: ______________________________
Social Security number: ______________________
Spouse's name: _____________________________
Telephone number: _________________________
Current address: ____________________________
[ ] Because of information in my credit file, __________________ took the following action on __________________, 20___. (I enclose a copy of the notice I received):
[ ] Denied me credit.
[ ] Granted me credit, but not near the amount or on the terms that I requested.
[ ] Terminated my credit account.
[ ] Made unfavorable changes to my account (but did not change the terms of all, or substantially all of the consumer accounts of the same type).
[ ] Took the following adverse action or determination in connection with my application for __________________.
[ ] Took the following adverse action or determination in connection with [describe the transaction] __________________.
[ ] I hereby certify that I am unemployed and intend to apply for a job within the next 60 days.
[ ] I hereby certify that I receive public assistance/welfare.
[ ] I hereby certify that I believe there is erroneous information in my file due to fraud.
[ ] I do not know of any reason that allows me to get a free credit report. Enclosed is a copy of a document identifying me by my name and address and payment in the amount of $__________________.
Thank you for your attention to this matter.
Enclosures: ___[list, if any]___